MetLife (India)

MetLife India Insurance Company Limited (MetLife) is an affiliate of MetLife, Inc. and was
incorporated as a joint venture between MetLife International Holdings, Inc., The Jammu and
Kashmir Bank, M. Pallonji and Co. Private Limited and other private investors. MetLife is
one of the fastest growing life insurance companies in the country. It serves its customers by
offering a range of innovative products to individuals and group customers at more than 600
locations through its bank partners and company-owned offices. MetLife has more than
50,000 Financial Advisors, who help customers achieve peace of mind across the length and
breadth of the country.

MetLife, Inc., through its affiliates, reaches more than 70 million customers in the Americas,
Asia Pacific and Europe. Affiliated companies, outside of India, include the number one life
insurer in the United States (based on life insurance inforce), with over 140 years of
experience and relationships with more than 90 of the top one hundred FORTUNE 500®
companies. The MetLife companies offer life insurance, annuities, automobile and home
insurance, retail banking and other financial services to individuals, as well as group
insurance, reinsurance and retirement and savings products and services to corporations and
other institutions.

MetLife Inc.

Celebrating 140 years, MetLife, Inc. is a leading provider of insurance and financial services
with operations throughout the United States and the Latin America, Europe, and Asia Pacific
regions. Through its domestic and international subsidiaries and affiliates, MetLife, Inc.
reaches more than 70 million customers around the world and MetLife is the largest life
insurer in the United States (based on life insurance in-force).

The MetLife companies offer life insurance, annuities, auto and home insurance, retail
banking and other financial services to individuals, as well as group insurance and retirement
& savings products and services to corporations and other institutions. For more information,
please visit www.metlife.com.
MetLife Begins

The origins of Metropolitan Life Insurance Company (MetLife) go back to 1863, when a
group of New York City businessmen raised $100,000 to found the National Union Life and
Limb Insurance Company.

The new company insured Civil War sailors and soldiers against disabilities due to wartime
wounds, accidents, and sickness. In 1868, after several reorganizations and five difficult
years, the company decided to focus on the life insurance business. A new company was
chartered to sell "ordinary" insurance to the middle class. The founders chose the name
because they had been most successful in New York City, or the "Metropolitan" District.

This new venture also faced difficulties. A severe business depression that began in the early
1870s rapidly put half of the 70 life insurance companies operating in New York State out of
business. Only very large, long-established ordinary life insurance companies remained
strong. Policy lapses over successive years forced the company to contract until it reached its
lowest point in the late 1870s.

In 1879, MetLife President Joseph F. Knapp turned his attention to England, where
"industrial" or "workingmen's" insurance programs were widely successful. American
companies had not bothered to pursue industrial insurance up to that time because of the
expense involved in building and sustaining an agency force to sell policies door to door and
to make the weekly collection of five- or ten-cent premiums.

By importing English agents to train an American agency force, MetLife quickly transferred
successful British methods for use in the United States. By 1880, the company was signing
up 700 new industrial policies a day. Rapidly increasing volume quickly drove down
distribution costs, and the new program proved immediately successful.

The MetLife agent became an important person in the lives of these striving families.
Manuals instructed agents to call at a home at the same time each week to ensure familiarity
and contact. In the process of collecting premiums, insurance agents listened to the problems,
concerns, and hopes of their clients. So successful was this approach that by 1909, MetLife
became the nation's largest life insurer in terms of insurance in force, a leadership position we
continue to hold today in North America
MetLife Today

MetLife’s corporate vision – to build financial freedom for everyone – guides the company’s
response to people’s growing need for first-rate financial products and services through
various life stages and economic cycles. MetLife’s trusted brand, capital strength, and
existing relationships with millions of individual and institutional customers around the globe
uniquely position MetLife among its competitors.

The "everyone" in MetLife’s vision took on added meaning in 2000 as the company
welcomed an important new constituency: shareholders. MetLife transformed itself from
mutual to stock ownership in April of that year through a demutualization and initial public
offering that was completed in just 18 months after Board authorization.

The year 2001 was a true test of the qualities that define MetLife. The company’s core
values, brought to life in what MetLife does every day, were no more evident than in
MetLife’s response to the tragic events that shook our nation on September 11. MetLife
responded quickly. The company served its customers, communities and employees during
this difficult time. At the same time, MetLife invested $1 billion in a broad array of publicly-
traded common stocks.

In 2001, MetLife was the first insurance company to establish a financial holding company
with a nationally chartered bank. Leveraging its unparalleled distribution channels, MetLife
entered the retail-banking arena with the launch of MetLife Bank, making it an easy and
convenient way for MetLife’s customers to realize their financial goals.

MetLife announced in 2002 that it would be continuing its long-standing relationship with
Snoopy and the rest of the PEANUTS® characters. The company signed a new contract that
would allow the characters to appear in MetLife’s domestic and international advertising for
the next 10 years.

The sale of State Street Research & Management Company to BlackRock, Inc. was
announced in 2004. In line with MetLife’s strategy to focus on core business growth, the sale
benefited many of the company’s Individual and Institutional Business clients who held
investments through State Street Research, as it became part of one of the largest publicly
traded investment management firms in the U.S.

The company’s stated long-term goal is to become the recognized leader throughout the
world for relationship building, connectedness and caring in financial services – in the "giant
league" with over 100 million people as MetLife customers by the year 2010.

MetLife took a major step toward realizing this goal in 2005, when it acquired Travelers Life
& Annuity and substantially all of Citigroup’s international insurance businesses for $12
billion. Completed on July 1, 2005, the Travelers acquisition made MetLife the largest
individual life insurer in North America based on sales, the second largest provider of retail
annuities and the largest provider of institutional annuities.

Working Mother magazine honored MetLife in 2005 by naming the company one of the "100
Our Values

"Coming into your own", It's all about People,

performing as a Leader to MetLife's key resource.
be really effective and MetLife will succeed
successful by acting and because we are winning
making decisions from within.
independently to get
results.

Functioning productively in Operating with an intense

teams towards a common dedication to managing
purpose; realising the monetary resources for
collective power of diverse strong business results.
work-groups.

Conducting all business Continuously creating and

endeavours with truth, introducing new and
sincerity and fairness. original ideas and ways of
doing things.
Management Team
Rajesh Relan
Managing Director
MSVS Phanesh
Appointed Actuary
Sameer Bansal
Director- Agency
Joydeep Mukherji
Chief Financial Officer
Balachander Sekhar
Director - Marketing
KR Anil Kumar
Director - Legal & Risk
and Company Secretary
P. S. Sankaran
Director – Compliance &
Internal Controls
KS Raghavan
Chief Administrative
Officer
Gaurav Sharma
Director - Customer
Service and Operations
Partners

Geojit Securities was founded by Mr.C.J George in 1987 as a Proprietorship for doing
Broking business in Cochin Stock Exchange. In 1994, the business was taken over by
Geojit Securities Ltd, a Joint Venture between Mr.C.J George and the Kerala State
Industrial Development Corporation Ltd. In the following year, the company came up
with an IPO and the shares were listed in various Stock Exchanges in India in 1995.

Jammu and Kashmir Bank Limited was incorporated on 1st October, 1938 and
commenced its business from 4th July, 1939 at in Kashmir (India). The Bank was the
first in the country as a State owned bank. According to the extended Central laws of
the state, Jammu & Kashmir Bank was defined as a govt. Company as per the provision
of Indian companies' act 1956. In the year 1971, the Bank received the status of
scheduled bank. It was declared as "A" Class Bank by RBI in 1976. Today the bank has
more than 500 branches across the country and has recently become a billion Dollar
Company.

Profile
Incorporated in 1938 as a limited company.
Governed by the Companies Act and Banking Regulation Act of India.
Regulated by the Reserve Bank of India and SEBI.
Listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE)
53 per cent owned by the Government of J&K.
Rated "P1+" by Standard and Poor- CRISIL connoting highest degree of safety.
Four decades of uninterrupted profitability and dividends.

Unique characteristics: One of a kind

Private sector Bank despite government holding 53 per cent of equity.
Sole banker and lender of last resort to the Government of J & K.
Plan and non -plan funds, taxes and non-tax revenues routed through the bank.
Salaries of Government officials disbursed by the Bank.
Only private sector bank designated as agent of RBI for banking.
Carries out banking business of the Central Government.
Collects taxes pertaining to Central Board of Direct Taxes in J & K.

Registered Office
M A Road
Srinagar 190 001
Jammu & Kashmir
Corporate Headquarters
M A Road
Srinagar 190 001
Jammu & Kashmir
To know more please visit the website at www.jkbank.net

Mangalore–headquartered Karnataka Bank, a leading private sector Bank having a network

of 433 branches across 19 States and 2 Union Territories, is more than 84 years old. The
Bank is a technology savvy, customer centric progressive bank with a national presence,
driven by the highest standards of corporate governance and guided by sound ethical values.
All the 433 branches of the Bank are under the umbrella of core banking solution.

The Bank has a host of customer friendly deposit and advances products meeting the varied
needs and preferences of its customers. The Bank offers a plethora of technology driven
products like Internet Banking facility, Demat services, Mutual Fund products of reputed
companies, Life and General Insurance services, Visa enabled Debit Card with wide
acceptability across the globe. The Bank has an ambitious business turnover target of Rs.
35000 crores for the year 2008-09 with a branch expansion plan to reach the tally of 460
branches and additional ATMs to take the total to 180 by end-March 2009.

In 1982, a group of Hyderabad-based practicing Chartered Accountants started Karvy

Consultants Limited with a capital of Rs.1,50,000 offering auditing and taxation
services initially. Later, it forayed into the Registrar and Share Transfer activities and
subsequently into financial services. All along, Karvy's strong work ethic and
professional background leveraged with Information Technology enabled it to deliver
quality to the individual.

Established in 1921, Mini Muthoottu with an illustrious history of banking behind them
today operates from 75 branches in Kerala and 5 in Bangalore. All business concerns of
Mini Muthoottu function under the strict guidelines set by the Department of Company
Law Affairs and Reserve Bank of India. They also have a certificate of compliance with
the requirements regarding prudential norms from the Reserve Bank of India. Mini
Muthoottu, under the able leadership of its Chairman, Mr. Roy M Mathew, offers both
the resources and capabilities like any national player coupled with individualized
attention to its customers.

Corporate Social Responsibility

MetLife has always been committed to making a positive difference in the lives of the
individuals and communities. Today, that commitment drives volunteer work and
philanthropy across the globe. Working with non-profit organizations, MetLife supports
programs that provide young people with the skills they need to succeed in life and create
opportunities for people of all ages.

MetLife’s core values are personal responsibility, people count, partnership, integrity and
honesty, innovation and financial strength. These values also shape the responsibility to the
communities where the organization conducts its business.